PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Knoxville TVA Employees

Knoxville, TN · Charter 68085

NCUA · 25 branches

Q2 2026

$5.3BAssets
$4.3BLoans
$4.6BShares
$576.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.06%, down 56 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.34% of loans (-5 bps YoY).
  • Capital: net worth / assets of 10.83%, up 34 bps from a year ago.
  • Funding: loans stand at 94.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%-56 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+19 bps YoY

Efficiency Ratio (YTD, annualized)

52.86%-254 bps YoY

Net Worth / Assets

10.83%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.58%1.61%0.69%1.06%-56 bps
Return on Equity15.43%14.85%15.02%6.49%9.79%-564 bps
Net Interest Margin3.17%3.21%3.21%3.35%3.36%+19 bps
Efficiency Ratio55.40%54.25%53.30%52.52%52.86%-254 bps
Growth
Asset Growth (YoY)6.68%8.17%11.17%10.19%9.85%+317 bps
Loan Growth (YoY)7.98%7.66%7.24%6.11%6.82%-116 bps
Share Growth (YoY)7.36%8.36%11.46%10.38%9.98%+262 bps
Asset Quality
Delinquent Loans / Loans0.39%0.44%0.52%0.33%0.34%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.50%10.61%10.75%10.65%10.83%+34 bps
Net Worth / Assets10.50%10.61%10.75%10.65%10.83%+34 bps
Liquidity & Funding
Loans / Shares96.79%95.26%94.19%93.13%94.01%-278 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps